Low Rate card image

Beyond Bank Low Rate

Advertiser disclosure
Purchase rate
11.99% p.a.
Balance transfer rate
0% p.a. for 12 months and then 11.99% p.a.
Annual fees
Interest free days on purchases

Mozo editorial review Beyond Bank Low Rate - last updated: 17 February 2021

binocular icon
What's hot
  • 0% balance transfer offer for 12 months
  • 62 interest free days
  • 12.49% purchase rate
What's not
  • $25 late payment fee
Mozo snapshot

If reducing your credit card expenses is the name of your game, then the Low Rate credit card from Beyond Bank could be the perfect companion for you. With 62 interest free days to pay off your purchases and a low annual card fee of just $49 you’ll be able to keep expenses down, plus the 0% balance transfer offer for 12 months will help you take control of any existing credit card debt.

key icon
Key features

Featuring one of the longest interest free periods on the market, the Beyond Bank Low Rate credit card gives cardholders who pay their balance in full each month up to 62 interest free days on new purchases. Even if you do carry a balance, you’ll only be charged at the relatively low 12.49% purchase rate.

The card also comes with a low $49 annual fee, as well as the useful 0% balance transfer offer for the first 12 months. Just keep in mind that if you do take advantage of the offer to transfer debt from an existing card, make sure you pay it off in that 12 month period otherwise you’ll be charged the 12.49% purchase rate.

With Visa’s handy payWave system you’ll also be able to simply tap your card for payments below $100, and you won’t have to worry about any unauthorised purchases made with your card thanks to Visa’s Zero Liability Policy.

Who is it good for

The Beyond Bank Low Rate credit card could be a top option for anyone looking to get a handle on their credit card debt who can make use of the 0% balance transfer offer, or cardholders that pay their balance on time each month that can take advantage of the generous 62 interest free days.

question icon
Any catches

Just be make sure to pay your balance off in time, as there is a $25 late payment fee.  


Rates and fees information correct as at 29 January 2022 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

11.99% p.a.


0% p.a. for 12 months and then 11.99% p.a.


11.99% p.a.


















Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

How are Beyond Bank credit cards rated by the Mozo community?

Customer service

Latest reviews of Beyond Bank Low Rate Credit Card

About Beyond Bank